RDA (Remote Deposit Anywhere)

How do I enroll into RDA? Enrollment is quick and easy. If you are an existing customer with personal online banking and you have provided your email address to us, you are automatically enrolled for this feature. If you do not have personal online banking, simply contact our Customer Service Center at 888-677-7869, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Customer Service Team Member will contact you within two business days.

Is RDA safe? Yes, mobile banking uses the same security infrastructure as online banking and your data is encrypted using SSL (Secure Socket Layer) data encryption. Access to the application on your mobile device is also password protected. In the event your mobile device is lost, please note that no account data is stored on it.

Is there any reason that my check may not be accepted? Yes. The system may be unable to read your check due to the handwriting, check condition, or photo quality. If that is the case, you will need to bring your check to an Orrstown Bank Branch.

When will my deposit be available? Deposits are memo posted to your accounts after 10:00PM EST. To ensure same day posting, the deposit must be made prior to 3:00PM EST. Deposits made after this time and weekend deposits will be posted to your account on the next business day.

Mobile banking with RDA is currently available on Apple® iOS and Android™ devices. Search for “Orrstown Bank Mobile Banking” and install the app. Once installed on your mobile device select the Orrstown Bank icon to launch the application. Your login is the same as your current online banking User ID and password. If you do not have online banking, please contact our Customer Service Center at 888-677-7869, Monday through Friday from 7:30AM to 7:00PM and Saturdays from, 8:00AM to 12:00PM, EST.

Write the word “VOID” across the check(s). We ask that you securely store the paper checks with your confirmation number in a file marked “MOBILE DEPOSITS” for 30 days. Once the retention period has passed and you have confirmed that the deposit has been properly credited to your account via online/mobile banking or bank statement, you may destroy the check(s) (e.g. shred).

How do I know Orrstown Bank has received my deposit? Upon submission of a mobile deposit you will receive a confirmation screen confirming your deposit has been received. You can also view recently submitted items (last 30-days) in the RDA transaction screen. Finally, you can also confirm your deposit in your account via online/mobile banking or on your statement after your deposit request has been processed. If we have an email address on your account, you will also receive an email confirmation that your deposit has been accepted. Mobile deposits are processed Monday – Friday after 10:00PM EST, with the exception of holidays. Items processed after 3:00PM EST are processed the following business day after 10:00PM.

Activating is quick and easy. If you are an existing customer with personal online banking, you will need to add the P2P option to your online banking dashboard (My NetTeller) by selecting the ‘Send Money’ widget option from the ‘Configure’ menu.

If you do not have personal online banking, simply contact our Customer Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Customer Service Team Member will contact you within two business days.

Note: If you are not using My NetTeller, You will first need to go to 'My NetTeller' - It is just below the 'online banking' link on top left side. Once you click on 'My NetTeller', you will see the option to 'Configure'. You might want to customize your Internet Banking page to look the way you want while you are in 'My NetTeller'.

Upon enrollment, P2P allows you to send payments to virtually anyone with an email address and a U.S. bank account. Payees are added by creating a new payee and going through a safe and secure payee enrollment process. You will be required to enter the payee’s name and email address, as well as a short confirmation code before a new payee can receive payments.

New payees are required to follow a secure link from an email that will be sent to the email address provided. They will be required to enter a security phrase that you have created and provided them with to confirm their authority to receive payments. They will then be required to enter their account information for the account for which they would like to receive payments.

Once the new payee is added all you will have to do is enter the payee's name in the new payment field for future payments.

Sendmoney Icon will be enabled once you complete the first P2P transaction from NetTeller. If you already completed a transaction and still don’t see the P2P Icon, please contact us directly at 1-888-677-7869.

When typing the Receiver Name and/or e-mail address, let the system prefill the information for you. This will indicate you have sent a payment to this Receiver before and the verification process does not need to occur.

You will need to check the security preferences within your browser software. Each browser is different. For Internet Explorer, you must be on a secured site to check the encryption. The settings are typically found under the File, Preference option on your toolbar.

Yes, your browser must accept "Cookies" to utilize this service. Each browser version handles "Cookies" uniquely. Please check with your browser software manufacturer to determine how to verify that your settings will accept "Cookies."

You are allowed three attempts to enter your PIN. If unsuccessful after the third attempt, you will be locked out of online banking for a 24 hour time period. After the 24 hour period, you may attempt to log in again. Immediate access may be regained by calling our Customer Service Center at 1-888-677-7869 during regular business hours.

Transfers can be made at any time. However, please note the transfer cut-off time is 4:00 p.m. ET during regular banking days, which excludes weekends and Federal holidays. Any transfer made after 4:00 p.m. ET will be processed the next business day.

When viewing my current transactions, why do I see electronic transactions and online banking transfers duplicated?

You may see the electronic transactions, which include online banking transfers, twice during our "end of day processing." End of day processing is required for your transactions to be updated. This process begins each evening and lasts several hours. The duplicate transactions will disappear at the end of the processing day.

Scheduled payments are processed Monday through Friday at 3:00 a.m. and 1:00 p.m. (EST). Payments will be processed the evening before they are scheduled and sent the morning of the requested processing day. If payment is by check, the check is mailed the following morning. Please note, it can take 7 - 10 days for the check to be mailed and processed. Please consider adjusting the payment date to account for this delay. Electronic payments also go out the morning after a payment is processed. Since electronic payments are processed through the Federal Reserve, we can't guarantee when the payments will be deducted from your account. However, this process generally takes two days.

You can pay anyone in the United States, from your next door neighbor, to the utility company, to a child in college across the country. The only restriction is that you cannot pay any Government Agencies.

What happens if I have a scheduled payment that falls over a weekend or holiday?

Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over the weekend, for the current weekend, will be processed during the 3:00 a.m. Monday morning processing time. Holiday processing is done the following day after the holiday.

Will the memo field from the scheduled payment be printed on the check sent to the payee?

No, the memo field is for your personal use and is stored electronically at your financial institution with the record of your transaction. The account number that you entered when adding the payee to your Personal Payee List is printed on the check. This lets the payee know to which account the payment should be applied.

Yes, just set the payment date for any date in the future. Single payments are actually set up into two categories: current and future payments, which allow the user to schedule payments in the future or for the current date.

Manage Card

What is Manage Card?

“Manage Cards” is a new feature that allows you to turn your Orrstown Debit card “on” or “off” as you desire. When the card is “on”, transactions are allowed as normal. When the card is “off”, no purchases or withdrawals are approved until you turn the card back “on”.

If you temporarily misplace your debit card – this feature allows you peace of mind while you search, locate, and eventually turn your card back “on”.

If your card is actually lost or stolen, this feature allows you to set the card to “Lost/Stolen” and indicate to Orrstown that you require a new card to be mailed to your residence.

If you want to keep your card “off” between purchases for extra security – this feature allows you to be in control of when and how your card can be used. This greatly reduces the possibility for fraud on your account.

No Action or enrollment is required for you to use this feature. If you are a customer with an active debit card, this feature will be available without an action within your Mobile application or within Online Banking.

Using Online or Mobile Banking you can report your card as lost or stolen. If you do not leverage mobile or online banking – please use the normal channels (Branch or our Call Center) to report the situation immediately. You can also leverage Your Orrstown to report Fraud or Lost/Stolen Cards.

Mobile banking is currently available on Apple® iOS and Android™ devices. Search for “Orrstown Bank Mobile Banking” and install the app. Once installed on your mobile device select the Orrstown Bank icon to launch the application. Your login is the same as your current online banking User ID and password.

If I believe my Card has been lost and stolen or my PIN compromised – should I report this to the Bank or is using the Online and Mobile Banking feature sufficient?

While the Online and Mobile features will notify us that you have lost your Card, we still recommend contacting us via telephone or branch at your convenience to review your account and ensure no further action is required.

In general, if you tell us within two (2) business days (via Online, Mobile, Branch or Call-Center) you can lose no more than $50 if someone used your card or PIN without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.

If you do not have online banking, please contact our Customer Service Center at 1-888-677-7869, Monday through Friday from 7:30AM to 7:00PM and Saturdays from, 8:00AM to 12:00PM ET.

SMS

What is SMS?

Text Banking (SMS) allows you to access to your accounts via text messaging on your mobile phone. It's a fast, easy way to lookup account balances or recent history by sending a text command with a shortcode. Back to Top

How much does it cost?

SMS is Free. Message and data rates may apply. Contact your wireless carrier for details. Back to Top

How do I enroll into Text Banking (SMS)?

Enrollment is quick and easy. If you are an existing customer with personal online banking, you will need to add the SMS option to your online banking dashboard by selecting ‘Options' then click on ‘Mobile Settings’ and select 'Text Mobile Settings' to enroll. If you do not have personal online banking, simply contact our Customer Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Customer Service Team Member will contact you within two business days. Back to Top

Can I Use Both Text Banking (SMS) and Mobile Banking on My Phone?

Yes, you can use both options from the same phone. You will need to activate both options for your phone through your Online Banking prior to use. Back to Top

Is Text Banking (SMS) supported on my phone?

Text Banking (SMS) will work on any SMS message enabled phone. Back to Top

What are the Text Banking (SMS) commands?

Help – Returns command reference.

Bal – Balance for all enrolled accounts.

Hist – Last four transactions for all enrolled accounts.

Bal ‹mobile short name› – Balance for specified account.

Hist ‹mobile short name› – Last four transactions for specified account.

The information sent to you via SMS text messaging does not contain any personally identifiable information. The text messages will save the balances and account history you request. For security purposes, Orrstown Bank recommends you delete your Text Banking messages after you receive them. If your mobile device is lost or stolen, Orrstown Bank recommends you call your mobile provider to cancel service on the device. Back to Top

How do I cancel SMS Text Banking?

Access to Orrstown Bank’s SMS text messaging system can be canceled at any time by texting the word STOP or by calling the Customer Service Center. Back to Top

Telephone Banking

What is Telephone Banking?

Telephone Banking is a free service that allows all customers to interact with an automated voice response unit for common questions. Telephone Banking can give you automated balance information, facilitate funds transfers, and help you manage your debit card. This service is available 24x7, even when our branch network is closed.

All customers are automatically enrolled and eligible to use the service after opening their accounts. Upon your first use of the system, you will be required to establish a PIN that will be used for security purposes during interactions with the system.

To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

Yes. You can view all your scheduled payments by clicking the “view more” link located in the “Pending” section of your payment page or the “view pending transactions” link available below the schedule payment section of your payment page.

Yes. Your ability to edit or stop a payment after 3:00 PM EST on its designated process date will be unavailable while funds for bill payment are being verified. Payments that pass verification are processed and cannot be edited or stopped. Payments that fail verification due to insufficient funds can be edited or stopped until 3:00 PM EST.

Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.

Debit Cards

What is EMV?

Named after its original developers (Europay, MasterCard® and Visa®), EMV chip technology is the global technical standard for new “smart” credit cards and debit cards and the payment terminals and automated teller machines (ATMs) that accept them. In addition to “smart cards” or “chip cards,” you might also hear terms like “Chip and PIN” or “Chip and Signature” when people refer to EMV. This technology uses embedded microprocessor chips that store and protect cardholder data. These chips can be embedded in debit cards, like the new card you have (or soon will) receive from Orrstown Bank.

Chip card transactions offer you advanced security in-store and at the ATM by making every transaction unique. Using the EMV technology also makes your Orrstown chip card more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

An EMV-enabled device (like a terminal in a store, or an ATM) will communicate with the chip inside your Orrstown EMV chip card to determine whether or not the card is authentic. The terminal usually will prompt you to sign or enter your Personal Identification Number (PIN) to validate your identity. This process enhances the authentication of both the card and customer, effectively reducing the possibility that business will accept a counterfeit card. During a purchase, some merchants may (or may not) ask you to enter your PIN, depending on the type and amount of your transaction being processed. This behavior is perfectly normal and should not give rise to concern.

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert your card instead. If you already know your chip card works at a store you visit, just start by inserting your card.

These basic steps will help ensure successful transactions:

Insert your card with the chip toward the terminal, facing up. Do not remove until prompted.

Provide your signature or PIN as prompted by the terminal. Some transactions may not require either.

When the terminal says the transaction is complete, remove your card.

Always remember:

When you use your chip card to follow the prompts on the terminal and leave your card inserted until prompted to remove it, and

Don’t forget to take the card out once the terminal tells you it is ok to do so.

Also – be aware that many merchants recognize that this process still is new for their customers, and many also are providing instructions or assistance during the transaction to help customers who have questions.

Merchants have some incentives to start investing in the technology required to allow customers to use chip cards in their stores.

Liability shift: If a counterfeit magnetic stripe card is presented at a merchant using a chip certified terminal, the liability for the counterfeit fraud generally will be the responsibility of the card issuer; but, if a customer uses a chip card at a merchant that hasn’t had its terminals certified for chip card acceptance, liability for counterfeit fraud ultimately may shift to the merchant. Industry experts hope that this liability shift encourages greater adoption of the technology, since using it helps to better protect everyone.

As more users adopt the technology, it is expected that fraudsters will start targeting those who haven’t adapted to the change – and fraud is expensive for everyone.

Merchants adopting the new technology can get other cost savings benefits as well: certain fees ordinarily charged to the merchants may be waived.

Your card still has a magnetic stripe on the back, so even if a terminal is not yet chip-enabled, you can use your card as you do today. This allows you to continue using your new cards wherever you shop while merchants are adapting to the new requirements.

Yes. Chip cards are widely used in outside the U.S., and they are accepted in more than 80 countries. Having a chip card may make it even easier for you to make purchases when you travel internationally.

Orrstown does recommend that you let us know when you are travelling overseas, or even in areas within the United States where you don’t normally use your card. This allows us to more easily identify when transactions might be fraudulent – and that is good for everyone!

Yes, To enhance security your new EMV debit card will have a different account number, expiration date, and 3-digit verification code. Be sure to update all recurring payments associated with your old debit card, such as PayPal®, gym memberships, utilities, E-ZPass, etc. A great way to ensure you don't forget to change any payments is to review your three most recent bank statements.

Just like anytime you get a new card, don’t forget to update your recurring payments with your new card number, expiration date, and the 3-digit security code (located on the back of your card) where required.

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. Within websites in Safari, you can use Apple Pay on your iPhone, iPad, and Mac.

To use Apple Pay with Safari on a Mac model without built-in Touch ID, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

You can use Apple Pay in stores, within apps, and on websites in Safari. When paying in stores with Apple Pay in some countries and regions, if your transaction exceeds a certain amount, you might need to enter your PIN. In some cases, you might need to sign a receipt or use a different payment method.

To make an in-store purchase with your iPhone® just hold your device near the contactless reader with your finger while holding down Touch ID™. A subtle vibration and beep will confirm the transaction is complete. To make an in-store purchase with your Apple Watch, double-click the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete.

In-App Purchase

To make a purchase in-app with your iPhone®, select Apple Pay as the payment option in the app and place your finger on the Touch ID.

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call Orrstown Bank support to suspend or remove your cards from Apple Pay.

How do I add my Orrstown Bank Debit Card to AndroidPay™?

You can add one or multiple cards to Android Pay.

To add a card with your Android phone:

Open the Android Pay app.If you have multiple Google Accounts in Android Pay: At the top left of the app, touch your name, then choose the account you want to add a card to.

At the bottom right, tap +.

Tap Add a credit or debit card.

Use the camera to capture your card info or enter it yourself.

If you’re asked to verify your card, choose a verification method from the list.

Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after.

Once your eligible Orrstown Card is registered to Samsung Pay, you may activate the Simple Pay feature of Samsung Pay by swiping your screen from the bottom, just above the Home key, towards the top of the screen.

The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.

When you have the desired card selected, place your finger on the Home key to verify your fingerprint or touch ENTER PIN to enter your Samsung Pay PIN.

Samsung Pay will indicate that you are ready to make a payment.

For NFC Payments

Hold the phone above the NFC reader on the payment terminal

Align the camera with the NFC logo

The two devices should be almost touching

For MST Payments

Hold the phone closely to the terminal

Align the camera to face the magnetic stripe card reader

The two devices should be almost touching

Using Samsung Pay on the Gear S3

Simply press and hold the back key to launch Samsung Pay on your Gear S3

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to try to find it. We recommend remotely disabling the cards from Samsung Pay.

We also recommend notifying your mobile carrier and calling the Orrstown Bank number on the back of your card promptly. Mention that you added your card to Samsung Pay so we can disable your card for use with Samsung Pay. If you locate your device, you will need to add your card back to Samsung Pay before making any Samsung Pay purchases.

Once you are ready to check out, click or tap the Masterpass button. If you already have an account, then simply sign in and choose the payment card and shipping address you wish to use. All of those details will be used to make a secure purchase, and you’re done.

How do I use a Masterpass Android™ app to buy something at a store location?

To make in-store payments, you'll need an Android™ phone running Kit Kat (4.4) or higher with support for NFC (Near Field Communication) and HCE (Host Card Emulation).

Once you have a Masterpass app, there are 2 ways to Tap & Pay in-store:

From the unlocked home screen:

Unlock phone and hold it against the contactless terminal without opening the app

Enter your 4-digit PIN

Place your phone over the terminal once again until you see the ✓

From the app:

Launch the app and choose the card you would like to use

Touch the “Tap & Pay” button at the bottom of the screen

Enter your 4-digit PIN

Hold your phone just above the terminal and wait to see the ✓ on your screen

Your Masterpass account comes with multi-tiered security to help keep your information private. Plus when you check out in stores using the Android™ app, a unique number is shared with the merchant instead of your actual card details, which means your information is protected.

Your actual card information is not on your device and Masterpass comes with multi-tiered security to help keep your information protected. For extra security, you may want to change your password by signing into your online account.

You can use Masterpass online or in app wherever you see the Masterpass button; look for the contactless symbol at checkout when you are in-store. Visit our Featured Merchants section of our site to see just some of the many participating merchants.

How do I enroll in e-statements? Enrollment is quick and easy. If you are an existing customer with online banking and you have provided your email address to us, you can sign up for our FREE E-Statement. When you are logged in to online banking simply select E-Statement, Sign Up/Changes, and select the accounts you would like to enroll. If you do not have online banking, you can stop in at your local branch or contact our Customer Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST to request online access. You may also contact us via secure email from our website and a Customer Service Team Member will contact you within two business days. And, as always, you can visit one of our 23 branches where our Bankers will be more than happy to assist.

What is a Digital Payment? Digital Payments lets you use your phone or laptop to quickly and securely pay with your Orrstown Bank Debit card. Digital Payments is a new technology that is also more secure than traditional (older) payment options. Shopping using a digital payment option is a great way to protect your account from unauthorized use. Please see our Digital Payments page for full details.

What if I have more Digital Payments but am not enrolled in E-Statements? Can I still qualify? No, if you meet the requirements as listed on www.orrstown.com/godigital , you will earn a gift card and be automatically entered to win an iPhone X.

Do I need to meet the requirements each month or within the overall contest period? Participants must complete the following by January 5, 2018: 1) Be enrolled in electronic statements (“e-statements”) for a participating Orrstown Bank consumer deposit account. Qualification requirements related to RDA and Digital Payments are calculated over the entire promotion period.

I have multiple accounts, which will qualify? Awards will be qualified based on the primary account holder relationship; primary account holders will receive only one gift card and iPhone drawing entry regardless of the number of accounts qualified.

Will my digital payment still count if the merchant doesn't run the transaction until after the promo date? Yes, transactions need to be performed during November 20, 2017 to January 5, 2018. Contact our Customer Service Center at 888-677-7869 for any additional questions.

Will my RDA qualify if it is rejected for insufficient funds (NSF)? No. Your mobile deposit transaction must successfully post to your account during the promotion period - November 20, 2017 to January 5, 2018.

I have a joint account, will all transactions count if both account holders have debit cards attached? Spending activity against the same account using two digital payment devices (or cards) will contribute to the overall requirement. Awards will be qualified based on the primary account holder relationship; primary account holders will receive only one gift card and drawing entry regardless of the amount of accounts qualified.

If my account gets charged off will I still qualify for a gift card? No. The participating consumer deposit account tied to this card must remain open and in good standing with Orrstown Bank in order to qualify for the reward.

Can I receive multiple gift cards if I have multiple accounts / debit cards? No. Awards will be qualified based on the primary account holder relationship; primary account holders will receive only one gift card and drawing entry regardless of the amount of accounts qualified.

Gift Cards

How do I know if I have qualified? If you're not sure whether you have met all three requirements to earn a gift card, you can stop in at your local branch or contact our Customer Service Center, Monday through Friday from 7:30AM to 7:00PM and Saturdays from 8:00AM to 12:00PM EST and they will be happy to assist you. You may also contact us via secure email from our website and a Customer Service Team Member will contact you within two business days.

iPhone Sweepstakes

How many entries can I have? Awards will be qualified based on the primary account holder relationship; primary account holders will receive only one gift card and drawing entry regardless of the amount of accounts qualified. Requirements are listed on www.orrstown.com/godigital

What if I prefer a different kind of phone? The winners will receive one of three (3) iPhone X 64GB handsets valued up to $999, or a similar handset of equal value. Winners will not be able to choose the color of the handset.

Not a deposit. Not FDIC insured. Not insured by any federal government agency. Not guaranteed by the Bank. May go down in value. Securities, investment advisory services and other investment products are offered through Cetera Advisor Networks, LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

Cetera Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.